Mortgage Basics


Specialised Borrower Requirements

The currency of a loan is only the start of a decision making process for some clients.

Depending on your domicile or residency status you may be advised by your tax or legal advisors to borrow offshore (usually this means us arranging loans from banks in the Channel Isles or The Isle of Man) rather than within the UK tax regime.

Additionally your tax advisor may wish you to use a company to acquire the property you wish to buy, or recommend that a new or existing Trust is used to acquire the property. Whilst we will not give the relevant taxation advice we will act on your instructions to make sure the most appropriate mortgage is arranged for the entity chosen to buy the property (in most cases we will be doing so after talking directly to your other professional advisors).

For such requirements we find our clients cannot be serviced by the popular high-street banks. Such clients often have varied income sources in different countries and tax regimes and perhaps a relatively low UK employed income backed up by significant income from offshore or trust related investments. Inevitably these clients are borrowing more than average and for most mainstream lenders who are relying more and more on computer-based underwriting of loans they will receive a rapid ‘No’ if they applied to such a bank.

Specialised requirements such as those above have always been an area we specialise in and we work with many private banks (based mainly in London, The Channel Islands, The Isle of Man and occasionally Switzerland) to provide specialised solutions at sensible commercial margins.

Since early 2008 such lenders have taken a more aggressive stance as the main UK lenders struggled with the effects of the lack of credit and a rapid re-think of their targets and ambitions. Our long term relationship with most of these private banks continues to benefit our client base.


Your home may be repossessed if you do not keep up repayments on your mortgage.

Changes in the exchange rate may increase the sterling equivalent of your debt.

Foreign mortgages are not arranged via Sesame Ltd or regulated by the FCA.

For Foreign mortgages we act as introducers only.

To discuss your current or future mortgage requirements please call 020 7930 7242.

A typical fee for arranging your mortgage is 1.5% of the loan amount.

Tyler Mortgage Management

Tyler Mortgage Management